Consumer debt- US is tapped out.  

Most importantly, understand the difference between a business purpose and consumer purpose loan.Read my post in this thread, which details our process in actionable terms.

I find myself consumed with anger and frustration. 

You might want to study up on the Telephone Consumer Protection Act.

A Creative Finance Lawsuit can be brought by the Attorney General, the DOJ, FDIC, and on and on among others because it involves banks, wire transfers, possible fraud, possible identity theft, possible equity skimming, possible violations of the Consumer Protection Act, Dodd-Frank, ACT S.A.F.E.

However, expect greater transparency and heightened consumer awareness that has come out of media attention and NAR settlement to impact the listing component of seller agency as well.

-Zeroflux newsletter if you want more broad trends across real estate like migration, consumer habits, office, landlording, homeowners, CRE, affordability, housing shortage and others

That’s more time-consuming, though, and since the lease is almost over, non-renewal is probably your best bet.Also, keep documenting everything: complaints from other tenants, the steps you’ve taken, and any interactions you have with the tenant.

It took a lot to comply with their permit expectations and was frustrating and time consuming.

The second issue is the argument put forth by the velocity worshippers that before using a HELOC for everyday spending they had no idea where their money went or what it was spend on; now with the HELOC their personal living expenses are far less, they purchase far fewer consumables, and hence their savings rate, to be invested in paying down the mortgage is much higher.